Montana has 1,116,875 residents. We list 21 agencies for business owners policy (bop) insurance in Montana. Here is what the local numbers say about the cover people here need.

Montana at a glance

21business owners policy (bop) insurance agencies listed
30.8%of households rentRenters insurance
$375,800median home valueHome insurance
1981median year homes were builtRebuild cost calculator
4.7%of households have no carAuto insurance
9.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Montana

How many of Montana’s 56 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Winter weather17 of 56 counties
Very High in Gallatin County, Cascade County, Yellowstone County and 1 more.
Lightning3 of 56 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Montana
Strong wind1 of 56 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Montana
Wildfire1 of 56 counties
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Montana
Ice storm1 of 56 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Montana

Montana requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Montana How much liability cover do you need?

Source: mca.legmt.gov. Checked 2026-10-24.

Insurance companies Montana agencies work with

Of the 21 Montana agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers12 agencies
Safeco11 agencies
Liberty Mutual10 agencies
Liberty Mutual (Safeco)10 agencies
Nationwide6 agencies
Nationwide (Allied)6 agencies
Nationwide (Colonial)6 agencies
Travelers (Standard Fire)6 agencies
American Modern4 agencies
Mercury4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Business Owners Policy (BOP) insurance in Montana

All insurance agencies in Montana · Business Owners Policy (BOP) insurance in every state

Where can I find business owners policy (bop) insurance in Montana?

Pick your city in the list on this page to see every agency there that offers business owners policy (bop) insurance, or search by name or ZIP code.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Montana agencies work with?

Among the 21 Montana agencies whose appointments we hold, the companies they are most often appointed with are Travelers (12), Safeco (11), Liberty Mutual (10), Liberty Mutual (Safeco) (10), Nationwide (6). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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